Workers' Compensation
Plain-English guidance on Workers' Compensation, written for contractors, not adjusters.
What Is an X-Mod? A Contractor’s Plain-English Guide
Ask ten contractors what their X-Mod is and you will get ten different answers. Here is what the number actually measures, who calculates it,…
Read the full article → Workers' CompensationHow X-Mods Are Calculated, Step by Step
The full NCCI/bureau formula involves state-specific tables and weighting factors that even most brokers don't calculate by hand — that's what the rating bureau's…
Read the full article → Workers' CompensationX-Mod Benchmarking: What a “Good” Mod Actually Looks Like for Your Trade
A 0.95 mod sounds solid on paper. Whether it actually is depends entirely on what everyone else in your trade is running — and…
Read the full article → Workers' CompensationPayroll Audits: What Contractors Get Wrong
Your workers' comp premium is based on an estimate of your payroll at the start of the policy year. The audit at the end…
Read the full article → Workers' CompensationReturn-to-Work Programs That Actually Reduce Your Mod
An injured employee sitting home on full disability costs your mod more, for longer, than the same employee back on the job in a…
Read the full article → Workers' CompensationSafety Programs That Reduce Workers’ Comp Costs
It's tempting to think the biggest threat to your mod is one catastrophic claim. In practice, it's usually the opposite: a handful of small,…
Read the full article → Workers' CompensationWaiver of Subrogation Explained
Waiver of Subrogation is frequently confused with Additional Insured, but the two protect against different things, in different directions. GCs often require both —…
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